Before you purchase a home or piece of land, it’s essential to confirm that the title is clean and free of issues that could impact ownership. A property title establishes who legally owns the property and identifies any claims, restrictions, or debts tied to it.
If problems—often called “title defects” or “clouds on title”—go unnoticed, they can delay closing or lead to costly disputes later. That’s why partnering with a trusted title company is critical. At Crest Title Company, we carefully examine every detail to identify potential red flags early, giving you the peace of mind that your ownership will be protected.
1. Unpaid Liens or Judgments
Liens are among the most common title issues. These can arise from unpaid taxes, contractor bills, or even court judgments against a previous owner. Even though the debt doesn’t belong to you, it remains attached to the property and can affect your right to clear ownership.
How Crest Title Company Handles It:
Our team performs a comprehensive title search to uncover any existing liens or judgments. We then work to confirm whether they’ve been paid or need to be cleared before closing. This ensures that once you take ownership, the property is free from prior financial obligations.
2. Breaks in the Chain of Title
Every property has a record of ownership transfers known as the “chain of title.” If a link in that chain is missing—such as an unrecorded deed or incorrect name—it creates uncertainty over who legally owns the property.
How Crest Title Company Handles It:
We verify each ownership transfer in the property’s history. If documentation is missing or unclear, our team works to locate or re-record the necessary deeds to restore a complete and verifiable chain of title.
3. Boundary Disputes or Survey Inconsistencies
A mismatch between legal property descriptions and actual land boundaries can lead to disputes with neighbors or confusion about where your property begins and ends. Overlapping fences, driveways, or easements can complicate future sales or improvements.
How Crest Title Company Handles It:
We review property descriptions, maps, and surveys to confirm accuracy. When discrepancies arise, we collaborate with surveyors and legal professionals to resolve the issue before closing—so you can be confident in what you’re buying.
4. Undisclosed Easements or Restrictions
An easement gives someone else the right to use part of your property for a specific purpose—like access to utilities or shared driveways. Restrictions can limit what you can build or how you can use the land. If these aren’t disclosed, they could interfere with your plans for the property.
How Crest Title Company Handles It:
We examine public records for any easements, rights-of-way, or restrictive covenants that affect the property. If an easement exists, we explain its purpose and make sure it’s properly documented, giving you a clear understanding of your rights.
5. Ownership Disputes and Unknown Heirs
If a property was inherited, undisclosed heirs may later claim a legal right to ownership. Similarly, disputes between past co-owners, spouses, or business partners can complicate ownership transfers.
How Crest Title Company Handles It:
We research probate and court records to confirm ownership and verify that all parties with potential claims are properly represented in the sale. Title insurance also protects you in case an unknown heir or claimant emerges after closing.
6. Errors or Forgery in Past Documents
Mistakes in recorded documents—like misspelled names, incorrect property descriptions, or missing signatures—can create confusion in the title’s history. In more serious cases, forged deeds or fraudulent transfers can compromise legal ownership.
How Crest Title Company Handles It:
We inspect every recorded document for accuracy and authenticity. If errors are found, we work with county offices to correct and re-record the necessary paperwork. Title insurance provides further protection if forgery or fraud is discovered later.
7. Unreleased Mortgages
Sometimes a previous owner’s mortgage is paid off but never formally released by the lender in public records. This can appear as an active lien against the property, even though the debt no longer exists.
How Crest Title Company Handles It:
Our team contacts the lender to verify payoff and obtains a release or satisfaction of mortgage to record with the county. This step clears the property of outdated claims, ensuring a clean title transfer.
Why Early Detection Matters
The earlier title issues are identified, the easier they are to resolve. A thorough title search not only protects you from future legal or financial surprises—it also keeps your closing on schedule.
At Crest Title Company, we believe that prevention is the best protection. Our experienced team reviews every detail of the title history, explains potential risks, and ensures all red flags are resolved before you sign.
Your Partner in a Clean, Confident Closing
Real estate transactions should end with excitement—not unexpected complications. Crest Title Company’s commitment to accuracy, transparency, and proactive communication ensures that every closing is built on a foundation of trust and security.
Protect Your Property from Hidden Risks
Don’t let unseen title issues delay your dream home or investment. Order a title with Crest Title Company today and ensure a clear, reliable path to ownership.